Real Lease Cost™ (everything you pay, each month): $683 a month, estimate (payment, tax, miles, insurance and gas, added up) at 12,000 miles a year at U.S. average prices. The listed payment is $279. The receipt adds every cost.
An estimate, not a quote. The payment, fees and tax come from the listing and the state’s rules; insurance and gas or charging are our estimates. Your dealer, insurer and driving set the real figures. How we estimate
New leaseToyota offers pagegas SUV Only one site lists this. Not confirmed.
Only one site lists this, so check it before you pay.
Photo of this model from another year, not this exact car. Credit: RL GNZLZ from Chile, CC BY-SA 2.0, via Wikimedia Commons
Read from Toyota offers page on 2026-10-31.
Confirm every number with the seller or the leasing company before you commit. The Real Lease Cost leaves out
registration, wear and tear, and excess miles beyond your target. See how we score.
Listing facts belong to the source. If this row should be corrected or removed, write to
takedown@realleasecost.com.
The listed paymentSource: The listing itself, from 15 public sites. Newest read Oct 31.$279
Money due when you sign ($3,720), spread over 36 monthsSource: The ad's own fees; a $500 transfer fee is assumed when the ad gives none. Read with the ad, Oct 31.+ $103
Tax, our estimate, because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)Source: State revenue department pages, 50 of 51 states sourced. Read Oct 30.+ $17
Miles: you drive 12,000 a year, the lease covers 12,000The lease covers your miles, so extra miles cost nothing.Source: The ad's miles and per-mile rate; $0.25 a mile when the ad gives none. Read with the ad, Oct 31.+ $0
Insurance, our estimate for the U.S. average: $182 (range $146 to $218). Your own quote may differ. Type yours.No quotes for this exact model, so we use AAA’s 2026 full-coverage average for a Compact SUV (gas) ($2,188 a year, five top-selling models, a driver under 65 with 6+ years and no accidents) → × 1.00 (U.S. average) = $182 a month. Range $146 to $218. Full coverage, a typical driver with a clean record.Source: AAA Your Driving Costs 2026 full-coverage class average and MoneyGeek 2025 state averages. Class average read Oct 31, state table read Oct 30.+ $182
Gas, our estimate12,000 mi a year÷42 mpg(EPA combined, 2026 RAV4 LE)=285.7 gallons×$4.269 a gallon(EIA U.S. average regular, week of Oct 26)=$1,220 a year=$102 a monthcity 46 to highway 39Source: U.S. Energy Information Administration (gas, week of Oct 26; electricity, August 2026). Read Oct 31.+ $102
At 12,000 miles a year and U.S. average costs, 392 of the 411 similar SUVs we price today cost more than this one.
vs 411 SUV deals today, at 12,000 miles and U.S. average costs
This check looks at price only. It cannot say whether the car fits you.
The math behind this
About 95 of every 100 similar SUVs we price today cost more than this one. Pool: the live ranked SUV deals we read, luxury makes with luxury makes only, each priced at the same miles and costs. A car we could not check counts at its worse number.
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Facts stated by the source on 2026-10-31.
The cheapest live car in the table is the 2026 Toyota Corolla with a Real Lease Cost of $531 a month. This car is $152 a month more than that.
The full math, line by line
This table is priced at 12,000 miles a year and U.S. average prices.
The math for 2026 Toyota RAV4 LE
Monthly payment in the ad
$279 plus tax
Months on the lease
36
Due when you sign
$3,999. It includes your first payment of $279. The other $3,720 is fees and any money down, and we count all of it.
That $3,720, spread over 36 months
$103 a month
Sticker price
not in the listing
Tax rate used
6.10% (our estimate, the source stated none)
Monthly cost before tax, money due at signing spread out
$382
Tax, each month
$17
Monthly cost after tax
$399
Lease cost over all the months, before tax
$13,764
Transfer fee
none stated by the source
Cash the seller says they will pay you
$0
Miles a year the lease allows
12,000
Extra miles to reach your 12,000 a year
The lease covers your miles, so extra miles cost nothing.
Insurance, our estimate
$182 a month for the U.S. average (range $146 to $218). We use the middle of the range. Source: AAA Your Driving Costs 2026, full-coverage class average, read 2026-10-31. Full coverage, a typical driver with a clean record. Source and date
Gas, our estimate
$102 a month (EPA combined 42 mpg, 2026 RAV4 LE; EIA U.S. average regular, week of Oct 26)
Real Lease Cost, each month
$683
Real Lease Cost, over all the months, our estimate
$24,588
Listing status
live
Source read
2026-10-31
For the experts: the exact lease terms
Lease terms for experts
When it ends
Offer ends Nov 2 (in 2 days)
MSRP
not in the listing
Cap reduction
inside the money due at signing, not split out
Effective monthly, before tax
$382
Effective monthly, after tax
$399
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More deals like this (6 cars)
More Toyota deals
Photo of this model from another year, not this exact car.
2026 Toyota Corolla LEOffer 1 of 7 on this model
Real Lease Cost:$531a month, estimate
Take-overGasOne of the lowest costs for this kind of car
You take over someone’s lease. You pay their last 31 months.
Needs the leasing company’s approval.
Lease ends May 2029 (31 months left)
31 months left, about $16,500 in all. Transfer fee $500 (assumed). Seller pays you $2,500.
Only one site lists this. Not confirmed.
Gas $126/mo: about 34 mpg (EPA), U.S. average price
Ad$227
Real$531
+$304 we added, most of it estimate
Why +$304? insurance $165, gas $126, extra miles $64, fees $16, tax $14, minus seller cash $81
The listed payment is $227 a month. The seller says they will pay you $2,500 to take it over, about $81 a month. With everything added, the real cost is $531 a month. Most of the difference is insurance, $165 a month (our estimate for the U.S. average, $130 to $200; type yours).
The listed payment$227
Cash the seller says they will pay you, each month- $81
Transfer fee we assumed ($500), spread over 31 months+ $16
Tax, our estimate, because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $14
Miles: you drive 12,000 a year, the lease covers 8,946+ $64
Insurance, our estimate for the U.S. average (range $130 to $200). Type yours.+ $165
Gas, our estimate+ $126
Real Lease Cost, each month$531
LeaseTrader, read Oct 31. Insurance and gas are estimates, not quotes.
The listed payment is $279 a month. With everything added, it is $633 a month. The biggest piece is insurance, $170 a month (our estimate for the U.S. average, $135 to $205; type yours).
The listed payment$279
Money due when you sign ($1,724), spread over 36 months+ $48
Tax, at the rate the ad states+ $24
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate for the U.S. average (range $135 to $205). Type yours.+ $170
Hybrid: gas, our estimate+ $93
Real Lease Cost, each month$633
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
Leasehackr pre-negotiated board, read Oct 31. Insurance and gas are estimates, not quotes.
The listed payment is $279 a month. With everything added, it is $668 a month. The biggest piece is insurance, $165 a month (our estimate for the U.S. average, $130 to $200; type yours).
The listed payment$279
Money due when you sign ($1,699), spread over 36 months+ $47
Tax, at the rate the ad states+ $25
Miles: you drive 12,000 a year, the lease covers 10,000+ $19
Insurance, our estimate for the U.S. average (range $130 to $200). Type yours.+ $165
Gas, our estimate+ $133
Real Lease Cost, each month$668
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
Leasehackr pre-negotiated board, read Oct 31. Insurance and gas are estimates, not quotes.
The listed payment is $1,032 a month. The seller says they will pay you $10,400 to take it over, about $800 a month, which brings the real cost down to $594 a month with everything added.
The listed payment$1,032
Cash the seller says they will pay you, each month- $800
Transfer fee we assumed ($500), spread over 13 months+ $38
Tax, our estimate, because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $64
Miles: you drive 12,000 a year, the lease covers 25,477+ $0
Insurance, our estimate for the U.S. average (range $152 to $228). Type yours.+ $190
Electric: charging at home, our estimate+ $70
Real Lease Cost, each month$594
LeaseTrader, read Oct 31. Insurance and charging are estimates, not quotes.
The listed payment is $400 a month. The seller says they will pay you $2,213 to take it over, about $71 a month. With everything added, the real cost is $606 a month. Most of the difference is insurance, $178 a month (our estimate for the U.S. average, $140 to $215; type yours).
The listed payment$400
Cash the seller says they will pay you, each month- $71
Transfer fee we assumed ($500), spread over 31 months+ $16
Tax, our estimate, because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $24
Miles: you drive 12,000 a year, the lease covers 12,476+ $0
Insurance, our estimate for the U.S. average (range $140 to $215). Type yours.+ $178
Electric: charging at home, our estimate+ $59
Real Lease Cost, each month$606
LeaseTrader, read Oct 31. Insurance and charging are estimates, not quotes.
The listed payment is $279 a month. With everything added, it is $606 a month. Most of the difference is insurance, $165 a month (our estimate for the U.S. average, $130 to $200; type yours).
The listed payment$279
Tax, our estimate, because the ad gives no tax rate (6.1% national estimate, until you pick your state. Type your own rate in Your numbers.)+ $17
Miles: you drive 12,000 a year, the lease covers 9,996+ $19
Insurance, our estimate for the U.S. average (range $130 to $200). Type yours.+ $165
Gas, our estimate+ $126
Real Lease Cost, each month$606
If you pay the ad’s end-of-lease rate instead: +$23 a month ($0.25 a mile, as the ad states).
SwapALease, read Oct 30. Insurance and gas are estimates, not quotes.
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